i said it before, the the retirement income deficit. the difference between what people need for their retirement in the future, and what they actually now has been estimated to be as high as $6.6 trillion. half of all americans have less than $10,000 in savings. so these are disturbing and frightening numbers. when people run out of money when they get old, they see the living standard decline and lean more and more on the social safety net. squeezing government costs at levels. it comes back on taxpayers again. we need do more to help american families cope with this looming crisis. hard working americans deserve to be able to rest and take a vacation and spend more time with the grand kids when they get older. but to do so, they need to have better opportunities, opportunities to save prior to retirement. we have always said there knees to be -- needs to be a three-legged stool with pension, social security, and savings. with social security provided a base, but it was never meant to be a full retirement system. it was to be one leg